Best Elk Grove Village, Illinois Auto Insurance in 2026 (Your Guide to the Top 10 Companies)
State Farm, Geico, and USAA are the best Elk Grove Village, Illinois auto insurance with rates starting at $42/month. Elk Grove Village's auto insurance requirements mandate a minimum of 25/50/20 coverage. Make sure to check quotes from many providers to find the best price.
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Insurance and Finance Writer
Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...
Merriya Valleri
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Scott W. Johnson
Updated October 2024
18,155 reviewsCompany Facts
Full Coverage in Elk Grove Village Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
19,116 reviewsCompany Facts
Full Coverage in Elk Grove Village Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
6,589 reviewsCompany Facts
Full Coverage in Elk Grove Village Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviewsDiscover the best auto insurance in Elk Grove Village, Illinois, with rates starting at $42 per month from top providers such as State Farm, Geico, and USAA.
Elk Grove Village, IL auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance can seem like a difficult task, especially when navigating the wide range of options in Elk Grove Village.
Our Top 10 Company Picks: Best Elk Grove Village, Illinois Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Reliable Service | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 10% | A++ | Military Savings | USAA |
 | #4 | 12% | A+ | Flexible Policies | Progressive |
 | #5 | 10% | A+ | Custom Coverage | Allstate |
 | #6 | 15% | A | Personal Attention | Farmers |
 | #7 | 29% | A | Customer Service | American Family |
 | #8 | 20% | A+ | Coverage Variety | Nationwide |
 | #9 | 10% | A++ | Hybrid Vehicles | Travelers |
 | #10 | 12% | A | Unique Discounts | Liberty Mutual |
Fortunately, our guide has everything you need to make informed decisions and find the most cost-effective solution. We’ll cover factors that affect auto insurance rates in Elk Grove Village, Illinois, including driving record, credit, commute time, and more.
Start by entering your ZIP code to instantly compare quotes from leading insurers, making it easier to secure the ideal coverage that fits both your budget and lifestyle.
- Get the best Elk Grove Village, Illinois auto insurance at $42/month
- State Farm stand out for affordable and reliable coverage
- Compare top providers to meet 25/50/20 coverage requirements
#1 – State Farm: Top Overall Pick
Pros
- Reliable Service: State Farm offers strong customer support and local presence, making it ideal for the best Elk Grove Village, Illinois auto insurance.
- Comprehensive Coverage Options: Their wide range of coverage, including rental and rideshare insurance, serves diverse needs effectively.
- Good Neighbor Service: State Farm provides personalized service, making customers feel valued, and enhancing their reputation in the area. Read more on our page, “State Farm Auto Insurance Review.”
Cons
- Average Discount Programs: Their 17% bundling discount is lower than competitors, offering less savings for Elk Grove Village residents.
- Limited Online Features: State Farm’s digital tools lag behind competitors, which may frustrate tech-savvy customers looking for convenience.
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#2 – Geico: Best for Affordable Rates
Pros
- Affordable Premiums: Geico offers some of the lowest rates, making it the best choice for budget-conscious consumers looking for the best Elk Grove Village, Illinois auto insurance.
- Extensive Discount Programs: With a 25% bundling discount and other savings, Geico helps reduce premiums, positioning it as one of the best affordable coverage providers.
- User-Friendly Digital Tools: Geico’s app and website provide an easy way to manage policies, solidifying their spot as the best auto insurance for tech-savvy users.
Cons
- Limited Local Agents: Geico operates mainly online, which may not appeal to those who prefer in-person service from the best auto insurance provider.
- Higher Rates for High-Risk Drivers: Drivers with violations may face higher premiums. If you want to know more, just head over to our “Geico Auto Insurance Review” and get all the info.
#3 – USAA: Best for Military Savings
Pros
- Exclusive Military Discounts: USAA offers discounts specifically for military families, making it ideal for military personnel in Elk Grove Village, Illinois.
- Superior Customer Service: As mentioned in our USAA auto insurance review, USAA is known for its top-notch customer service, specially designed for military families, which adds to its appeal.
- Flexible Payment Options: USAA provides flexible payment plans, which benefit military families and make it the best auto insurance for financial flexibility.
Cons
- Membership Restrictions: USAA is only available to military members and their families, limiting access for others in Elk Grove Village, Illinois.
- Higher Rates for Non-Military: Non-military individuals may face higher premiums, making USAA less attractive to non-military drivers.
#4 – Progressive: Best for Flexible Policies
Pros
- Name Your Price Tool: Progressive’s tool allows customers to set their budgets and find coverage, offering flexibility in pricing.
- Snapshot Program: This program rewards safe driving with lower premiums, making Progressive a great option for those valuing accountability.
- Strong Financial Backing: With an A+ rating from A.M. Best, Progressive’s solid claim handling reinforces its reliability.
Cons
- Mixed Customer Service Reviews: Claims handling can be inconsistent, affecting their service reputation. Gain further insight with our Progressive auto insurance review.
- Higher Premiums for Comprehensive Coverage: Full coverage can be costly, which might not suit budget-conscious customers in Elk Grove Village, Illinois.
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#5 – Allstate: Best for Custom Coverage
Pros
- Customizable Policies: As stated in our Allstate auto insurance review, Allstate provides flexible coverage options designed to fit your needs, ensuring personalized plans that make it a top choice.
- Accident Forgiveness: With Allstate, your rates won’t increase after your first accident, reinforcing its reputation for reliable accident protection.
- Drivewise Program: Allstate’s Drivewise program rewards safe driving with discounts, enhancing its status as a leading provider of driving rewards.
Cons
- Higher Rates for High-Risk Drivers: Allstate’s premiums are steeper for those with accidents or violations, weakening its case as the best option for high-risk drivers.
- Average Discount Opportunities: Allstate’s 10% bundling discount lags behind some competitors, making it less appealing for those seeking significant savings.
#6 – Farmers: Best for Personal Attention
Pros
- Personalized Service: Farmers deliver exceptional, customized care through dedicated agents, making them a great choice for tailored auto insurance services.
- Discount Opportunities: With a 15% bundling discount, Farmers is an excellent option for those looking to save on their premiums.
- Claims-Free Discount: Drivers with a clean driving record can benefit from substantial premium reductions. Explore more about this in our Farmers auto insurance review.
Cons
- Higher Premiums: Farmers’ premiums can be on the higher side, which might not suit those looking to keep costs down.
- Limited Digital Tools: Farmers’ online tools are not as advanced, which could be a drawback for customers who prefer more tech-savvy options.
#7 – American Family: Best for Customer Service
Pros
- Exceptional Customer Service: American Family is well-regarded for its attentive and responsive agents, leading to high customer satisfaction.
- MyAmFam App: The MyAmFam app streamlines managing policies and claims, making the American Family an excellent choice for a tech-friendly insurance experience.
- Generous Discounts: With a 29% bundling discount, American Family offers considerable savings, making it an attractive option for families seeking affordable insurance.
Cons
- Limited Availability: American Family operates in select states, which can limit access for those outside their coverage area. Continue reading through our American Family auto insurance review.
- Higher Premiums for Young Drivers: Insurance costs for younger drivers can be higher with American Family, potentially making it less suitable for families with teenage drivers.
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#8 – Nationwide: Best for Coverage Variety
Pros
- Wide Range of Coverage Options: Nationwide offers various coverages, including add-ons like vanishing deductibles, making them the best auto insurance for customization.
- On Your Side Review: Nationwide’s annual review process helps customers fine-tune their coverage, which you can learn more about through our Nationwide auto insurance review.
- Strong Financial Stability: With an A+ A.M. Best rating, Nationwide provides confidence in claim handling, making them the best auto insurance for financial security.
Cons
- Rates Can Be Higher: Premiums may be expensive for some, particularly for those who don’t qualify for discounts, affecting its appeal for affordability.
- Limited Local Agents: Nationwide’s network of agents may not be as extensive, potentially limiting its rank as the best auto insurance for in-person service seekers.
#9 – Travelers: Best for Hybrid Vehicles
Pros
- Specialized Coverage for Hybrid Vehicles: Travelers provides discounts and coverage tailored to hybrid and electric vehicles, making them the best auto insurance provider for eco-conscious drivers.
- Extensive Discounts: Travelers offers a variety of discounts, including a 10% bundling discount and safe driver savings, making it the best choice for cost-conscious drivers.
- Excellent Claims Process: Travelers is known for its efficient claims process, making it the best Elk Grove Village, Illinois auto insurance provider for claims satisfaction.
Cons
- Higher Premiums for Certain Vehicles: Rates can be higher for luxury or sports vehicles, which may not make Travelers the best option for luxury car owners, based on our Travelers auto insurance review.
- Limited Availability of Discounts: The discounts offered by the company may not be as generous as those offered by competitors, which could limit its appeal for maximizing savings.
#10 – Liberty Mutual: Best for Unique Discount
Pros
- Unique Discount Opportunities: Enhance your understanding of the discounts offered by Liberty Mutual for new graduates and newlyweds with our Liberty Mutual auto insurance review.
- Customizable Policies: They provide flexible policy options to suit individual needs, making them the best auto insurance provider for tailored coverage.
- User-Friendly Online Tools: Their digital tools simplify managing policies and filing claims, making them the best auto insurance provider for online convenience.
Cons
- Higher Rates for Low-Mileage Drivers: Liberty Mutual may charge more for low-mileage drivers, which could impact their ranking for those with short commutes.
- Mixed Customer Service Reviews: Inconsistent service experiences, especially with claims, might affect their appeal as the best auto insurance provider for reliable service.
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Elk Grove Village, IL Auto Insurance by Demographics
Different factors affect auto insurance rates in Elk Grove Village, Illinois, including age, gender, and marital status. See how these demographics impact the monthly cost of insurance.
Elk Grove Village, Illinois Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $50 | $140 |
| $52 | $128 |
| $47 | $135 |
| $42 | $120 |
| $46 | $127 |
| $44 | $122 |
| $45 | $125 |
| $48 | $130 |
| $49 | $133 |
| $40 | $115 |
Younger drivers, especially single 17-year-olds, face significantly higher premiums, with rates up to $989 for males with Allstate. In contrast, older, married individuals enjoy lower rates, with a 60-year-old female paying as little as $93 with Liberty Mutual.
Elk Grove Village, Illinois Auto Insurance Monthly Rates by Provider & Demographics
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $761 | $989 | $347 | $375 | $288 | $289 | $302 | $302 |
| $559 | $769 | $193 | $249 | $193 | $193 | $177 | $177 |
| $961 | $1,004 | $242 | $251 | $212 | $212 | $187 | $198 |
| $495 | $509 | $160 | $166 | $141 | $145 | $137 | $155 |
| $396 | $440 | $117 | $123 | $112 | $121 | $93 | $104 |
| $366 | $467 | $157 | $169 | $135 | $137 | $121 | $128 |
| $668 | $748 | $209 | $225 | $175 | $164 | $145 | $152 |
| $388 | $490 | $137 | $158 | $121 | $121 | $110 | $110 |
| $395 | $501 | $137 | $144 | $129 | $136 | $120 | $128 |
| $424 | $467 | $169 | $185 | $129 | $130 | $120 | $117 |
Gender also impacts costs, as seen with slightly higher premiums for males than females in the same age group. Insurance companies like Geico offer lower rates across demographics, while providers like Allstate and Farmers generally charge more, particularly for younger drivers.
Understanding these factors can help in finding the most cost-effective insurance options.
Elk Grove Village, IL Auto Insurance by Driving Record
Your driving record has a big impact on your auto insurance rates. See the monthly auto insurance rates for a bad record in Elk Grove Village, Illinois compared to the monthly auto insurance rates with a clean record in Elk Grove Village, Illinois.
| Insurance Company | Clean Record | One Ticket | One DUI | One Accident |
|---|---|---|---|---|
| $322 | $428 | $520 | $557 |
| $231 | $262 | $436 | $328 |
| $344 | $409 | $435 | $446 |
| $161 | $190 | $346 | $257 |
| $156 | $178 | $195 | $223 |
| $171 | $195 | $256 | $219 |
| $255 | $322 | $283 | $383 |
| $185 | $204 | $204 | $223 |
| $168 | $210 | $246 | $221 |
| $155 | $187 | $305 | $223 |
Those with a clean driving record generally enjoy lower premiums, such as $156 with Liberty Mutual or $155 with USAA. However, rates increase substantially with violations. For example, having one accident can raise the monthly premium to $557 with Allstate or $257 with Geico.
Auto Insurance Discounts From the Top Providers in Elk Grove Village, Illinois
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Club, Anti-lock Brakes, Bundling |
| Generational, Safe Driver, Bundling |
| Homeowners, Multi-car, Anti-theft |
| Military, Good Driver, Multi-policy |
| New Car, Multi-car, Anti-theft |
| SmartRide, Anti-theft, Multi-policy |
| Snapshot, Multi-car, Homeowners |
| Safe Driver, Good Student, Anti-theft, Bundling |
| Continuous Coverage, Safe Driver, Bundling |
| Safe Driving, Multi-vehicle, Bundling |
A DUI leads to even higher costs, with premiums reaching $520 with Allstate and $346 with Geico. Even a single speeding violation causes notable increases, pushing premiums to $428 with Allstate and $190 with Geico.
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To understand how a poor driving record affects your rates, learn more from our article named “Cheap Auto Insurance for a Bad Driving Record.” You can obtain personalized quotes that reflect how your driving record impacts your premium by entering your ZIP code below.
Elk Grove Village, IL Auto Insurance Rates by ZIP Code
Auto insurance rates by ZIP code in Elk Grove Village, Illinois can vary. For ZIP code 60007, the average monthly premium is $274.
| ZIP Code | Rates |
|---|---|
| 60007 | $274 |
Comparing these rates to other Illinois cities can offer perspective on how location affects insurance costs. For example, premiums in Chicago are typically higher due to greater risk factors, while rates in Springfield and Elgin may be lower due to differing risk profiles.
This comparison highlights how your location in Illinois can impact your auto insurance rates. Understanding these variations can help you make informed decisions when shopping for coverage and choosing the best options for your area.
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Elk Grove Village, IL Auto Insurance Rates by Commute
Commute length and mileage affect Elk Grove Village, Illinois auto insurance. For instance, with Geico, premiums are $234 for a 6,000-mile commute but increase to $242 for a 12,000-mile commute.
Liberty Mutual offers a flat rate of $188 regardless of commute length, while Nationwide also charges $210 for both distances. State Farm and Travelers show slight increases for longer commutes.
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $457 | $457 |
| $310 | $318 |
| $408 | $408 |
| $234 | $242 |
| $188 | $188 |
| $210 | $210 |
| $311 | $311 |
| $199 | $209 |
| $203 | $220 |
| $212 | $224 |
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Elk Grove Village, Illinois commute length is 27.0 minutes.
Factors Influencing Elk Grove Village, IL Auto Insurance Premiums
Elk Grove Village, Illinois, has unique factors that impact auto insurance rates. The vehicle theft rate is below average, with 300 thefts reported annually, earning the area a “B” grade.
Elk Grove Village, Illinois Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Vehicle Theft Rate | B | Below average vehicle theft rate in the area |
| Weather-Related Risks | B | Occasional severe weather, but not frequent |
| Average Claim Size | B- | Slightly above average claim size compared to the state |
| Uninsured Drivers Rate | C+ | Moderate percentage of uninsured drivers |
| Traffic Density | C | Moderate traffic congestion during peak hours |
Traffic congestion is moderate, particularly during peak hours, leading to a “C” for traffic density. Occasional severe weather poses some risk, contributing to weather-related incidents being rated as high.
Regarding insurance claims, Elk Grove Village sees about 1,200 accidents and 850 claims yearly. The average claim size is $4,500, slightly above the state average.
Elk Grove Village, Illinois Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 1,200 |
| Total Claims Per Year | 850 |
| Average Claim Size | $4,500 |
| Percentage of Uninsured Drivers | 12% |
| Vehicle Theft Rate | 300 thefts/year |
| Traffic Density | Medium |
| Weather-Related Incidents | High |
Additionally, 12% of drivers in the area are uninsured, which may increase the financial burden for insured drivers in accidents involving uninsured motorists. This gives the area a “C+” for the rate of uninsured drivers.
These factors collectively affect the best Elk Grove Village, Illinois auto insurance premiums. For example, higher claim sizes and weather-related risks may increase costs, while a lower vehicle theft rate can help lower premiums.
Read more: What Does Standard Auto Insurance Cover
Evaluating these factors is crucial when comparing auto insurance providers to find the most affordable and comprehensive coverage. Enter your ZIP code now to get personalized quotes and secure the best deal for your area.
Frequently Asked Questions
How much is auto insurance in Illinois?
The average Elk Grove Village, IL auto insurance rates are $276/mo, but your rates will vary based on age, gender, and driving record.
How can I find the best cheap auto insurance in Elk Grove Village, Illinois?
Compare auto insurance quotes from multiple companies by entering your ZIP code below. By comparing rates, you can find the most affordable coverage that meets your needs.
What is the minimum auto insurance in Illinois?
Elk Grove Village, IL auto insurance laws require a minimum coverage of 25/50/20. This means you must have at least $25,000 in bodily injury liability insurance per person, $50,000 in bodily injury liability insurance per accident, and $20,000 in property damage liability insurance.
What happens if someone who isn’t on your auto insurance crashes your car in Illinois?
Your insurance coverage likely won’t apply if someone else is driving your car in Illinois. You would file a claim with the driver’s insurance instead.
What is considered full coverage insurance in Illinois?
Full coverage Elk Grove Village, IL auto insurance includes the 25/50/20 Illinois state minimums plus collision and comprehensive coverage.
Enter your ZIP code now to begin finding the best coverage options and ensuring you meet all requirements.
Is Illinois a no-fault state for auto insurance?
Illinois is an at-fault state, meaning that if you’re responsible for an at-fault accident, your insurance will cover the medical bills and property damage for the other parties involved. This system places the financial burden on the at-fault driver, making adequate liability coverage essential. If the costs exceed your policy limits, you could be held personally liable for the remaining expenses.
Can you self-insure your car in Illinois?
No, you must buy at least minimum liability auto insurance to legally drive in Illinois.
What is the penalty for no insurance in Illinois?
Drivers face license suspension and a minimum fine of $500 for driving without insurance in Illinois. To avoid these penalties and ensure you’re compliant with state laws, enter your ZIP code below to find affordable auto insurance options tailored to your needs.
What is the cheapest car to insure in Illinois?
SUVs have the cheapest auto insurance rates in Illinois due to their generally lower repair costs and reduced likelihood of injury in accidents compared to smaller vehicles. Many insurance providers, including the cheapest auto insurance company options, offer discounts for SUVs, further contributing to their affordability.
Do you need auto insurance to register a car in Illinois?
No, you must provide proof of insurance to register a car in Illinois. This requirement ensures that your vehicle is covered under the state’s minimum liability limits before it can be legally registered. Additionally, the proof of insurance must be valid and current to comply with registration regulations.
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